Computer Concierge NY LLC
I know a few people who still insist on paying their bills the old fashioned way. They write that monthly check for the mortgage, car payment and numerous other payments that they have. Even after I tell them the benefits of paying online, they still prefer to pay their bills the old fashioned way. If only they would listen. They would save both time and money.I have been paying my bills online now for almost 15 years. It is faster (you can set up recurring payments. Just be sure that the money is in your account to cover the payment on the day you set it to be paid) and less expensive (no stamps and you don’t have to buy checks nearly as often).It also is safe to pay your bills online. Yes an account can be hacked but there is always the risk of mail theft when paying bills by mail. If a payee says they never received payment you readily research your account on the bank’s website to see if the payment was made and to whom. I have had an instance or two where I got a letter saying that payment was not made and it was. What I found out was that the name of the payee or the address was not correct. After corresponding with the payee, the issues were resolved.
In paying my bills online, I also am helping the environment and contributing to going green. Online payments save paper. Not just from the written checks but envelopes as well. Companies have less envelopes to open so their costs get reduced. This truly is a win/win for all. Certain recurring monthly payments are allowed to be made by credit card. You can take advantage of rebates and my credit card happens to offer me a 1% rebate on all purchases. Not much but every little bit helps. If I could pay my cable bill using my credit card I certainly would do so. It would also be 1 less payment to set up every month as it is now included with my other credit card purchases. Banks are happier as well. Online payments reduce their processing fees. Handling it electronically is also simpler for them and merchants like it because of this as well. Less envelopes to open. Receive their money quicker. Paying by mail vs paying electronically at the same time. The merchant will receive the electronic payment quicker.I do not recommend using online payments from service providers such as electric companies, credit card companies, etc. If they make an error it can adversely affect your credit rating and per your agreement with them it may be difficult to hold them accountable. Also if there is an error it can take a while to get your money back. I prefer paying bills online through my bank.
Paying by check still has its uses. It is not recommended that you pay federal tax bills through your online bank. My bank specifically says, “The Online Bill Payment service should NOT be used to pay your local, state or federal taxes.” When you pay online, the money is deducted from your checking account NOT when the payee cashes the check but when you tell the bank to pay the bill. You no longer have a “float”. How many of us will give a birthday gift of $50 by doing it through our online account? We probably will include a check inside a birthday card. The same goes for weddings. On the minus side, it is not as easy to switch banks. If you do switch banks you need to make sure all pending and recurring payments are cleared.
If you have further questions about paying bills online, or other technology questions I can be contacted at (917) 572-3468 or email me at firstname.lastname@example.org
My Facebook page provides information on the current goings on in the technology field with tips to better use your technology. For timely information, please visit and "Like" my page.Computer Concierge NY LLC provides expert computer and technology services in the Queens, NY area. This includes Albertson, Bayside, Bayside Hills, Bay Terrace, Bellerose, College Point, Douglaston, Floral Park, Flushing, Forest Hills, Great Neck, Jamaica Estates, Kew Gardens, Kings Point, Lake Success, Manhasset, Mineola, Munsey Park, New Hyde Park, North Hills, North Shore Towers, Oakland Gardens, Plandome, Rego Park, Roslyn, The Bay Club, Thomaston, University Gardens, Williston Park, Whitestone and Other Areas in the Bayside, NY vicinity. Our web services are provided worldwide.
So who out there after reading my recent article about backing up http://goo.gl/c2Gl0 still doesn’t back up their data files? I emphasize it in discussions with clients, friends and colleagues yet many people still do not back up their data files or if they do it is not often enough. Their excuses range from: I have no important files; I'll get to it; I can get my files; I don't want to spend the money. The big reason to back up your data is this: In the event of a hard drive failure for whatever reason, you have a backup copy of your data. Important documents, sentimental pictures of children, grandchildren and other loved ones will not be lost in the event your hard drive fails. If you are one of those who still do not back up your files, this is a must read.
Let's address each of these excuses one by one:
-- I have a good friend of mine who never backed up his files. His excuse was that he had no important files. Recently he had an issue where he thought his hard drive had crashed. Suddenly he had important files (including pictures from a recent trip) on his hard drive that he needed to have. Fortunately the issue was not with his hard drive but rather another issue. His data was saved.
-- "I'll get to it" is another excuse I have heard a few times. This is a variation of, “I don’t have the time.” Hopefully when you get to it will be before your hard drive fails. If you have a hard drive failure it is too late. If you are a heavy computer user, you should back up your data once a day. I know someone who had their tax return on their hard drive. He was going eventually do a backup. Unfortunately, the hard drive crashed and he lost his tax return and the worksheets he used to prepare it.
-- "I don't want to spend money on it" – To paraphrase John Wooden, “If you don’t want to spend the money to back up your data, how about spending a whole lot more to get back the data should you have a hard drive failure?” That is if the data can be recovered. I checked with a national chain. If they can do the job in house the cost would be between $100 - $160 with it being ready in 2-4 days. If it needs to be sent to a data retrieval service the cost can run as high as a few thousand dollars. It will not be ready in 2-4 days but 2-3 weeks. How long can you wait for your data? Your costs to backup your data may even be FREE. Backing up will greatly lessen the anxiety of a hard drive failure.
-- "I can get my files" - A hard drive failure can occur without any previous warning. How will you get your data? See above paragraph for how long it would take and the cost.
The bottom line is you must have a backup in the event your hard drive fails. In the event of a failure you will be glad you had that backup. What would be the cost to you of losing a resume, pictures of children and grandchildren, tax returns saved on your computer with worksheets, schedules, etc? Backing up will save you money, time and aggravation. If you know someone who does not back up their computer, please for their sake make sure they read this.
What is the best way to do a backup? It depends on a few factors such as how much data is on your computer.
If you have additional questions about backing up your files, I can be reached at (917) 572-3468 or email me at email@example.com My Facebook page provides information on the current goings on in the technology field. There are tips to better use your technology. For timely information, please visit and "Like" my page.Computer training and many types of computer repairs can be done remotely. If you or someone you know needs either training to better use your computer or repairs I am now doing it on a remote basis in addition to in person locally.
http://computerconciergeny.com/3/post/2012/10/joinme-how-to-use-to-allow-someone-to-remotely-view-and-control-your-computer.html takes you to a narrative to use Join.me. It is a very user friendly site and it is easy to temporarily allow control of your computer. I also did an online video as well which is on the following link. http://www.youtube.com/watch?v=AyRSqpYNVQY
Computer Concierge NY LLC provides expert computer and technology services in the Queens, NY area. This includes Albertson, Bayside, Bayside Hills, Bay Terrace, Bellerose, College Point, Douglaston, Floral Park, Flushing, Forest Hills, Great Neck, Jamaica Estates, Kew Gardens, Kings Point, Lake Success, Manhasset, Mineola, Munsey Park, New Hyde Park, North Hills, North Shore Towers, Oakland Gardens, Plandome, Rego Park, Roslyn, The Bay Club, Thomaston, University Gardens, Williston Park, Whitestone and Other Areas in the Bayside, NY vicinity. Our web services are provided worldwide.
With summer here many of us are taking trips with our cars. If you are looking for the lowest gas price while on your travels or even locally you may want to think of having the GasBuddy app on your smartphone. GasBuddy is a great app to help you find the lowest price in your area. If you do not have a smartphone you can go to http://gasbuddy.com and search before you hit the road. The prices are for areas in the US and Canada and the various grades of gas. Prices are obtained from members and you can see when the price was entered as well. By removing the price data after 72 hours for each station, you are assured the prices are current. The site is free, has about 5 million users and is advertising supported.Gas prices can widely vary in an immediate area. I have used it on my trips and found it to be useful in finding the lowest prices wherever I was. When we were in Maine last summer, prices in a small area varied as much as $0.20 per gallon. The app also gives directions to get to that gas station as well. Just make sure that a passenger is doing the search for you or you have pulled over to the side of the road if you are doing the search yourself.So give the site a try and/or add it as an app to your smartphone and start saving. You may decide that you too wish to become a contributing member and help yourself and others find the lowest priced gas in your area.If you have further questions or wish to know of other apps that may be useful to you, please call me at 917.572.3468.